HELP FEDs Act

This bill protects federal employees from penalties when they miss student loan payments during government shutdowns. If a federal employee cannot make a student loan payment because they are not getting paid during a shutdown, they will not be charged late fees or penalties. The bill also stops interest from building up on their loans during the shutdown and prevents negative information about missed payments from being reported to credit agencies. The protections apply to federal student loans and start with any government shutdown that happens on or after October 1, 2025.

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